Terms of Service

1. Binding Arbitration and Class Action Waiver

WHEN YOU AGREE TO THESE TERMS, YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND US THROUGH BINDING ARBITRATION RATHER THAN IN COURT AND TO A CLASS ACTION WAIVER. PLEASE REVIEW CAREFULLY SECTIONS 15 AND 16 BELOW FOR DETAILS REGARDING YOUR RIGHTS. HOWEVER, IF YOU ARE A RESIDENT OF A JURISDICTION WHERE APPLICABLE LAW PROHIBITS ARBITRATION OF DISPUTES, THE AGREEMENT TO ARBITRATE WILL NOT APPLY TO YOU.

2. Who We Are

Luma is an AI-powered trading journal and intelligence platform for cryptocurrency traders. Luma provides tools to track, analyze, and improve your trading performance across blockchain networks. Through our web-based interface, Luma allows you to connect your wallets (read-only) to automatically import and categorize your on-chain trades, generate AI-driven insights and analytics, access smart money intelligence data, and maintain a structured trading journal. Luma does not execute trades, take custody of your digital assets, or have access to your private keys.

For inquiries or support, contact us at: support@withluma.app

3. Acceptance of Terms

By using our Services:

You represent and warrant that you have read, understood, and agree to these Terms as well as any additional policies or guidelines incorporated herein by reference.

If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

In addition:

• You must be at least 18 years old to use our Services. By registering, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.
• To access certain features of our Services, you must create an account by connecting a compatible cryptocurrency wallet. You are responsible for maintaining the security of your wallet credentials and for all activities that occur under your account.

4. Additional Service-Specific Terms

Certain features or services offered through Luma may be subject to additional terms, policies, or guidelines. These additional terms are incorporated by reference into these Terms and will be provided to you before your use of those specific features.

5. Using Our Services

Luma provides you with a platform to connect your cryptocurrency wallets (read-only) to import, track, and analyze your on-chain trading activity. The Services include AI-powered trade analysis, performance analytics, smart money intelligence, social sentiment data, and journaling tools. The Services are not a physical product or good. By using the Services, you acknowledge and agree that the Services are intangible software tools designed for informational and analytical purposes.

The Services utilize artificial intelligence and natural language processing to analyze trading data, generate insights, and provide interactive features (“Generative AI”). You understand and acknowledge that Generative AI is a developing technology, the potential risks inherent to this technology may not be fully understood, and safeguards may not be fully developed. We disclaim all liability resulting from your use of the Services, and make no representation or warranty, express or implied, concerning the extent to which your use of the Services or the output of such Generative AI is appropriate, permissible, lawful, accurate, correct, or otherwise suitable for you or its intended use.

The underlying Generative AI technology may, in some cases, provide incorrect, inaccurate, or otherwise inappropriate information. If you do not agree with this assumption of risk, you should not use the Services.

The Generative AI does not have the authority to enter into any agreements, contracts, or binding commitments on behalf of us. You agree that any changes to agreements or contracts with us must be made through authorized representatives and through proper, formal channels, and not through interactions with the Services.

5.1 Read-Only Wallet Access

Luma connects to your wallets in a read-only capacity to import your on-chain transaction history. This means:

• No Private Key Access: We do not have access to, store, or manage your private keys. Luma cannot initiate, execute, or modify any blockchain transactions on your behalf.
• No Asset Custody: We do not take custody of your digital assets. All assets remain in wallets you control.
• Account Security: You are solely responsible for safeguarding your wallet and account information. Please notify us immediately if you suspect any unauthorized access or use of your account.
• No Intermediary: We are not an intermediary between you and any other third party. Luma is an analytics and journaling tool only.

5.2 Smart Money Intelligence

Luma provides smart money intelligence features that aggregate and analyze publicly available on-chain data including wallet activity, token metrics, and social sentiment. This data is derived from public blockchain records and third-party data providers. The intelligence features are for informational purposes only and do not constitute trading signals, recommendations, or financial advice.

5.3 No Professional Advice

All information provided by the Services is for informational purposes only and should not be construed as professional advice. You should not take, or refrain from taking, any action based on any information contained in the Services. Before you make any financial, legal, or other decisions involving the Services, you should seek independent professional advice from an individual who is licensed and qualified in the area for which such advice would be appropriate.

5.4 No Fiduciary Duties

These Terms are not intended to, and do not, create or impose any fiduciary duties on us. To the fullest extent permitted by law, you acknowledge and agree that we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated. You further agree that the only duties and obligations that we owe you are those set out expressly in these Terms.

5.5 Regulatory and Compliance Suspensions or Terminations

We may suspend or terminate your access to the Services at any time as required by applicable law, any governmental authority, or if we in our sole and reasonable discretion determine you are violating these Terms or the terms of any third party service provider. Such suspension or termination shall not constitute a breach of these Terms by us.

6. Third-Party Services

Our Services may incorporate or link to third-party products, services, or software (collectively, “Third Party Services”), including blockchain data providers, wallet connection services, and social data platforms. Your use of these Third Party Services is subject to the respective terms and policies of those providers. Luma is not responsible for and does not endorse any Third Party Services, nor shall we be liable for any issues, losses, or damages arising from your use of such services.

7. Fees and Payment

7.1 Subscription Fees

Luma offers free and paid subscription tiers. Paid features, including enhanced AI analysis and premium intelligence data, require an active subscription. Subscription fees are billed on a monthly or annual basis as selected at the time of purchase.

7.2 Payment Processing

If you purchase any services or features that require payment, you agree to provide complete and accurate payment information. By authorizing payments, you consent to the automatic billing of your chosen payment method for recurring fees. You are responsible for all charges incurred in connection with your use of our Services.

7.3 Taxes

You are responsible for any taxes or duties that may be applicable to your use of our Services. It is your responsibility to determine what, if any, taxes apply to your transactions, and to report and remit the correct tax to the appropriate tax authority. We are not responsible for determining whether taxes apply to your transactions, or for collecting, reporting, or remitting any taxes.

7.4 Cryptocurrency Payments

In addition to traditional payment methods, Luma accepts cryptocurrency payments in USDC on the Base network. By choosing to pay with cryptocurrency, you acknowledge and agree to the following:

• No Refunds: All cryptocurrency payments are final and non-refundable. Once a transaction is confirmed on-chain, it cannot be reversed.
• No Trial Period: Unlike card payments, cryptocurrency payments do not include a free trial period. Your subscription activates immediately upon payment verification.
• Billing Periods: Monthly subscriptions are valid for 30 days from the date of payment. Annual subscriptions are valid for 365 days. Subscriptions do not auto-renew and must be manually renewed before expiration.
• Expiration: If your subscription is not renewed before the end of the billing period, your access to paid features will be downgraded to the free tier. We will provide advance notice before your subscription expires.
• Your Responsibility: You are solely responsible for sending the correct amount to the correct address on the correct network. We are not liable for funds sent to incorrect addresses or on incorrect networks.

8. User Representations and Warranties

8.1 Authority

You represent that you have the legal authority to enter into these Terms.

8.2 Compliance with Laws

You agree to comply with all applicable laws and to use the Services only for lawful purposes. In particular, you shall not:

• Engage in any fraudulent, deceptive, or unlawful activities.
• Attempt to bypass, disable, or otherwise interfere with any security measures.
• Provide false or misleading information.
• Use, display, mirror or frame the Services or any individual element within the Services, the Luma name, any Luma trademark, logo or other proprietary information, or the layout and design of any page, without our express written consent.
• Engage in any other activity that we, in our sole discretion, determine may harm the integrity or security of our Services or the rights of others.

Failure to comply with these rules may result in suspension or termination of your account and access to our Services without notice.

8.3 Ownership of Inputs

You warrant that any data or content you provide (i) is wholly owned, controlled, or appropriately licensed by you and (ii) does not infringe upon third-party rights or violate any applicable law.

9. Export Control and Sanctions

You agree to comply with all applicable export control laws and regulations, including U.S. export control and economic sanctions laws and regulations. In particular, you represent and warrant that:

• You are not located in, under the jurisdiction of, or a national of any country or territory that is subject to U.S. economic sanctions or embargoes.
• You are not listed on any U.S. government list of prohibited or restricted parties.
• If you are located in or are a national of a country that is subject to U.S. sanctions, or if you are otherwise prohibited from using our Services under applicable U.S. law, you are not permitted to access or use our Services.

10. Intellectual Property Rights

10.1 Ownership

All intellectual property rights—including but not limited to trademarks, logos, text, graphics, images, and software—associated with Luma and our Services are owned exclusively by us or our licensors.

10.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your personal, non-commercial use.

10.3 Restrictions

You may not copy, modify, distribute, sell, lease, or create derivative works from any content or materials provided through our Services without our explicit written consent.

10.4 Feedback

Feedback is welcome. If provided, you agree that we can use it without any obligation to compensate you.

11. Disclaimer of Warranties

11.1 “As Is” Basis

Our Services are provided on an “as is” and “as available” basis without any warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted service.

11.2 No Guarantee of Accuracy or Reliability

We do not warrant that the Services will be error-free, secure, or continuously available. You use the Services at your own risk. Trading analytics, AI-generated insights, smart money intelligence, and scoring data may contain errors or inaccuracies. You should not rely solely on information provided by the Services when making trading or investment decisions.

11.3 Blockchain and Third-Party Risk

You acknowledge that the use of blockchain technology and Third Party Services involves risks that may be outside our control. We disclaim any liability for losses resulting from such risks. Where the Services rely on or interact with third-party services, APIs, or data providers, you acknowledge that these are not controlled by us and may be subject to their own risks and terms. We shall not be liable for any loss or damages resulting from the unavailability, malfunction, or breach of any such third-party service.

11.4 Assumption of Technological and Cybersecurity Risk

You understand and expressly accept the inherent risks associated with interacting with blockchain technologies, digital assets, and AI-powered analytics systems. This includes, but is not limited to, the risk of:

• Unauthorized access or hacking;
• Phishing, malware, and other forms of malicious code;
• Network or protocol disruptions;
• Bugs or errors in underlying software;
• Inaccurate or delayed data from third-party providers.

You agree that we are not liable for any loss of data, personal information, or financial losses arising from such risks, whether caused by internal systems, third parties, or external actors.

12. Limitation of Liability

12.1 Limit on Liability

To the maximum extent permitted by applicable law:

We, our team, and our affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages (including loss of profits, revenue, data, or goodwill) arising out of or in connection with your use of the Services—even if advised of the possibility of such damages.

Our aggregate liability under these Terms will not exceed the greater of (a) the total fees you paid to us in the 12 months preceding the claim or (b) one hundred dollars ($100).

12.2 Waiver of Claims

To the maximum extent permitted by applicable law, you hereby irrevocably waive, release, and discharge any and all claims, whether known or unknown, against us and our affiliates, officers, employees, contractors, and agents, arising from or related to:

• Cybersecurity incidents;
• System failures or outages;
• Inaccurate analytics, scores, or AI-generated insights;
• Downtime or data processing errors;
• Acts or omissions of any third party.

This waiver applies regardless of whether we were advised of or reasonably could have foreseen the possibility of such damages.

13. Indemnification

You agree to indemnify, defend, and hold us and our team harmless as well as any related parties from and against any and all claims, liabilities, damages, losses, and expenses—including reasonable attorneys’ fees and costs—arising out of or in any way connected with:

• Your use of the Services;
• Your breach of these Terms;
• Any claim that your conduct or content violates any rights of a third party.

14. Termination and Suspension

14.1 Termination by You

You may discontinue using our Services at any time. If you choose to terminate your account, you must notify us in writing (e.g., via our support email).

14.2 Termination by Us

We reserve the right in our sole discretion to suspend or terminate your access to our Services without notice if we determine that you have breached these Terms or if your actions are deemed to pose a risk to us, our users, or third parties.

14.3 Effect of Termination

Upon termination of your account:

• Your right to access and use the Services will immediately cease;
• All provisions of these Terms that by their nature should survive termination (including Sections 10 through 20) shall remain in effect.

15. Dispute Resolution

15.1 Informal Resolution

If you have any concerns or disputes regarding these Terms or the Services (“Dispute”), please contact us at: support@withluma.app. We encourage you to first reach out to us to attempt an informal resolution.

15.2 Mandatory Arbitration

Except for claims eligible for small claims court or for injunctive relief to prevent unauthorized use of our intellectual property:

• Any Dispute shall be resolved exclusively through final and binding arbitration administered by a recognized arbitration provider (e.g., AAA) as agreed between you and us under its applicable rules;
• The arbitration shall be conducted in New York;
• Any award rendered shall be final and binding on both parties.

15.3 Class Action Waiver

To the fullest extent permitted by law:

• You agree that any arbitration or litigation arising under these Terms will be conducted solely on an individual basis;
• You waive any right to participate in a class action or class-wide arbitration.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the state of New York without regard to its conflict-of-law principles. You agree to submit to the exclusive jurisdiction of New York courts for disputes arising out of these Terms unless otherwise required by applicable law.

17. Changes to These Terms

We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on our website or notifying you through other communication channels. Your continued use of our Services after any such changes constitutes your acceptance of the new Terms. If you do not agree with the changes, you must stop using the Services.

18. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms, together with any additional terms or policies referenced herein, constitute the entire agreement between you and us regarding your use of the Services and supersede all prior or contemporaneous communications and proposals, whether oral or written.

20. Non-Reliance

You acknowledge and agree that in entering into these Terms and using the Services you have not relied and are not relying on any representations, warranties or other statements whatsoever, whether written or oral (from or by us or any person acting on our behalf) other than those expressly set out in these Terms (or other related documents referred to herein) and that you do not have any right or remedy arising out of any representation, warranty or other statement not expressly set out in these Terms.

21. Contact Information

For any questions, concerns, or comments about these Terms or the Services, please contact us at: support@withluma.app

22. Luma Brand and Community Guidelines

Last Updated: March 16, 2026

These Brand Community Guidelines (“Brand Terms”) govern your use of our software, website, user interface and other applications or tools that we make available. These Brand Terms are supplemental to, and incorporated by reference into, our general Terms of Service (“General Terms”). Defined terms used but not defined herein have the meanings set forth in the General Terms.

We will enforce our trademark, copyrights and other intellectual property rights to protect our users. These Brand Terms cover all our trademarks, trade dress and copyrights, whether they are registered or not (“Luma IP”) and they include, but are not limited to:

• Luma
• withluma.app
• @with_luma
• The AI-Powered Trading Journal
• Look and feel of our website and application

22.1 Permitted Uses

You may reference Luma solely to describe the factual relationship to our technology. For example, you may state: “This analysis was generated using Luma,” or “Trade data imported via Luma.” You may use the Luma name solely for truthful, descriptive references to our products or services.

If you wish to obtain permission for any other use of our intellectual property, please contact us at: support@withluma.app

22.2 Prohibited Uses

• You may not use Luma’s IP in connection with any products, services, social media accounts, domain names, usernames, publications, content, or other offerings.
• You may not launch, build, or create any product or service that incorporates or uses Luma’s IP. For example, you may not launch your own product and name it “Luma” or any similar mark that can cause confusion.
• You may not mirror, copy, reproduce, modify, create derivative works of, or build wrappers around our technology, software, products, or services.
• You may not use our technology, copyrighted materials, trademarks, trade dress, or other intellectual property to develop competing or derivative offerings.
• You may not copy or imitate our website, design, interface, logos, typefaces, branding elements, trade dress, look and feel, functionality, or software.
• You may not directly or indirectly imply any affiliation, partnership, endorsement, sponsorship, approval, or association with Luma.
• You may not create or use trademarks, names, branding, slogans, domain names, social media handles, or designs that are confusingly similar to the Luma brand.
• Luma IP may NOT be used in advertising or publicity without specific, written prior permission.

22.3 Third-Party Intellectual Property

Luma’s technology creates proprietary intellectual property through its AI-powered analytics engine, including but not limited to: the Luma Score algorithm, smart money intelligence scoring models, token ranking and filtering systems, social sentiment analysis pipelines, trade pattern recognition systems, and AI-generated trading insights. These algorithms, models, data pipelines, scoring methodologies, and their outputs are the exclusive intellectual property of Charles Labs Co.

Luma may display, analyze, and reference third-party data including publicly available blockchain data, token information, social media metrics, and market data sourced from third-party providers. All trademarks, token names, and other intellectual property associated with third-party tokens, protocols, or platforms referenced within our Services remain the property of their respective owners and do not belong to Luma.

By using our Services, you acknowledge that the analytical outputs, scores, rankings, and intelligence data generated by Luma’s proprietary algorithms are the intellectual property of Charles Labs Co. and may not be reproduced, redistributed, or used to build competing products without our express written consent.